(1) The "Bank Trophies - Quality 2023" are awarded by MoneyVox. The 2023 edition of this study was conducted with the Opinion Way Institute on a sample of 5,013 people (representative of the French population in terms of gender, age, and region). To learn more: https://www.moneyvox.fr/banque/trophees-de-la-banque/qualite.php

(2) Rating observed on the App Store on December 23rd, 2022, 10:40 AM

(3) Unless otherwise specified, bank holiday during the week (from Monday to Saturday) are worked – except on January 1st, May 1st, Easter Monday and December 25th

(4) We would like to remind you that in accordance with current French regulations, individuals, associations and companies which do not have a commercial form, who are French tax residents or established in France, are required to declare, on their personal or corporate income tax return, the account opening accepted subject to approval by the Bank. All consumers have a right of withdrawal of 14 days for online subscription of a bank accounts opened, held, used or closed abroad as well as all related accrued income. Furthermore, upon receipt of investment income through these accounts, individuals must pay social contributions and, if necessary, an advance income tax payment. Finally, if the concerned account holders are liable to wealth tax (IFI), under certain conditions, the fraction of the value of shares held on those accounts representing real estate assets must be declared for wealth tax purposes. In the event of failure to comply with these obligations, concerned individuals, associations or companies may be subject to payment of back taxes and penalties. For further information regarding these tax and reporting obligations, we recommend you contact an independent advisor.

(5) "My International Accounts" service in your online space. For HSBC Continental Europe, the accounts eligible for "My international transfers" are deposit accounts denominated in euros. Global View : We remind you that according to the regulations in force, individuals, associations, and companies not having the commercial form, domiciled or established for tax purposes in France, are required to declare, when declaring their income or results, all accounts opened, held, used or closed abroad as well as income related to those accounts. In addition, as soon as individuals receive income from movable property through these accounts, they must pay social security contributions and, where applicable, make a down payment of income tax. Finally, under certain conditions, the portion of the representative value of real estate assets of shares or shares in companies or organisations held in these accounts must be declared for tax purposes if the holders concerned are liable for it. In addition, under current regulations, individuals domiciled for tax purposes in France are required to declare, when filing their income tax returns, certain information relating to capitalisation contracts and investments of the same nature, and in particular life insurance contracts, taken out with organisations established outside France and, where applicable, the income generated on these contracts when they are fully or partially surrendered. In addition, the latter must also pay the social security contributions due under their contract. Finally, the surrender value of surrenderable insurance contracts and capitalisation warrants or contracts up to the fraction of their representative value of units of account composed of taxable real estate assets must be declared for tax purposes if the holders concerned are liable for it. In the event of non-compliance with these obligations, the persons concerned are exposed to tax reminders and the application of sanctions. For further details regarding your reporting and tax obligations, we recommend you consult an independent advisor. Global Transfers: Up to USD 100,000 (or its equivalent) and subject to eligibility. Additional fees may be charged by French or foreign correspondents for a particular service or following a foreign exchange transaction. The exchange rate corresponds to the exchange price of the currency at the time the transaction is executed plus a variable margin depending on the amount of the transaction and the currency processed.

(6) Up to USD 100 000 (or its equivalent) and depending on eligibility.

(7) Rental guarantee subscription fees available on www.unkle.fr. Offer can be combined with other current offers, reserved for individuals who are already HSBC Continental Europe customers or for the first time you open an account with HSBC Continental Europe. To benefit from the offer you must register with UNKLE at www.unkle.fr, and you must use your HSBC bank account to pay for the UNKLE guarantee. The reduction for the rental guarantee will be applied in the second month. Offer valid as of January 2022, subject to change/deletion at any time. The conditions for the execution of the UNKLE service are those of the contract signed directly between the customer and UNKLE and for which HSBC Continental Europe is neither party nor guarantor. HSBC Continental Europe shall not be liable for the performance of these services by UNKLE and any consequences of such performance for users.

(8) Offer valid for a first subscription of 3, 6 or 12 months to learn a language. Subscription fees for Babbel language courses are available at www.babbel.com Offer reserved for individual HSBC Continental Europe customers, can be combined with other current offers, limited to one access per person or per tax household. To benefit from the offer, the customer must register with Babbel via the link dedicated to HSBC customers. Offer valid as of January 2021, subject to change/deletion at any time. The terms and conditions of the Babbel service are those of the contract signed directly between the customer and Babbel and for which HSBC Continental Europe is neither a party nor a guarantor. HSBC Continental Europe cannot be held responsible for the performance of these services by Babbel and any consequences of such performance for users.

(9) Commissions can be received by the local bank of some countries.

(10) ©MVVA - Les Corbeilles de la Gestion 2021 - To access results and methodology : www.mieuxvivre-votreargent.fr

(11) HSBC was rewarded for its life insurance contract « HSBC Stratégie Patrimoine Vie 2 » during the 8th edition of the « Victoires de l’Assurance-vie » organized by Le Particulier magazine, category « expert contracts ». © 2022 - Les Victoires de l’assurance-vie - Le Particulier - tous droits réservés. Le Particulier, in partnership with Quantalys, funds analysis specialist, rewards the best insurance life contract on the market. Discover more.

(12) )© Les Corbeilles 2022 - Mieux Vivre Votre Argent - tous droits réservés. Discover more.

(13) Account opening accepted subject to approval by the Bank. All consumers have a right of withdrawal of 14 days for online subscription of a bank account.